Debit where debit is due, bub. Any other joe would say credit where credit is due, but honey, we don't do credit around here. Either way you slice it, it's time for yours truly to take cred ... DEBIT ... as the Time Magazine Person of the Year. Why me? You got me. I'm all about humility, but I'm walking by the newsstand one day and I see that beautiful cover. PERSON OF THE YEAR ... YOU! So the way I figure, if they serve you the cake, have a slice.

It's the screwiest thing, see? I figured, if anyone was gonna be named, it would be Dave Ramsey. He's always telling joes and jills to get out of debt. He's always telling people about how important it is to create a budget. Someone calls his radio show for advice, and he spits it out right there, on the spot. He helps out. Good stuff, baby.

But in the meantime, thanks for the honor. You like me ... you really like me.